Insurance Awareness - Health Insurance
Under IRDAI guidelines, which of the following is NOT a valid exclusion in health insurance policies?
Under IRDAI guidelines, which of the following is NOT a valid exclusion in health insurance policies?
hard Q10 of Q15
Step-by-Step Solution
Step 1: Review IRDAI exclusions
IRDAI excludes war injuries, cosmetic surgeries (unless medical necessity), and pre-existing diseases during waiting period.Step 2: Analyze self-inflicted injury exclusion
Self-inflicted injuries or suicide attempts are excluded only during the first 12 months (1 year), not after 2 years.Step 3: Identify incorrect exclusion
Claims arising from self-inflicted injuries or attempted suicide after 2 years of policy inception states exclusion after 2 years, which is incorrect as per IRDAI norms.Final Answer:
Claims arising from self-inflicted injuries or attempted suicide after 2 years of policy inception → Option AQuick Check:
Self-inflicted injury exclusion is limited to initial period, not indefinite.
Quick Trick: Self-inflicted injury exclusion applies only during first year, not beyond.
Common Mistakes:
MISTAKES- Assuming permanent exclusion for self-inflicted injuries beyond initial period.
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